Best Gnosis Pay Crypto Cards 2026

Gnosis Pay is an on-chain spending account with a self-custodial Visa debit card linked to a Safe Smart Account and funded by EURe on Gnosis Chain.

Overview of Gnosis Pay

What the official card page now highlights

The Gnosis Pay card page now lists a broader set of features and claims than before. The key points are:

• The card is positioned as the first self-custodial Visa debit card linked to a Safe Smart Account.
• Apple Pay is available for Gnosis Pay users.
• Rewards (New 2026): Rewards are now live, offering up to 5% cashback in GNO, delivered weekly. Users who hold the OG NFT receive an additional 1% boost.
• The card claims zero fees for purchases, with no transaction fees, no gas fees, no FX fees, and no off-ramping fees, powered by Monerium.
• ENS name customization is available on the card.

These claims define the current marketing surface and should be paired with the FAQ details below.

Funding model and EURe requirement

The FAQ states you can top up with EURe and spend at over 80+ million Visa merchants worldwide. It also confirms that ordering the card requires EURe on Gnosis Chain. That makes EURe the operating rail for the product. If you plan to use Gnosis Pay as a primary spending account, your first priority is sourcing EURe and ensuring it is on the correct chain.

Eligibility, KYC, and supported countries

Eligibility is clear and strict: you must be at least 18 years old, reside in a supported country, and pass KYC. The supported countries list in the help center remains the authoritative reference. The card page also lists future expansion markets as coming soon: Mexico, Thailand, Singapore, Japan, and the Philippines.

Rewards and OG NFT benefits

The card page lists up to 5% cashback paid in GNO with weekly payouts, and an extra 1% boost for OG NFT holders. The FAQ still says a rewards program is in the works, so you should confirm in the app whether rewards are active for your account, what the current rate is, and whether any caps or eligibility requirements apply. The OG NFT is also described as a perk for early adopters, with access to new features, IRL experiences, and partner benefits.

Fees and the zero fee claim

The card page highlights a zero fee claim: no transaction fees, no gas fees, no FX fees, and no off-ramping fees, powered by Monerium. The FAQ also notes that early users get access to zero fees. That means fee status may vary by account cohort or program phase. The right way to validate this is to check the fee table shown in your account and review the cardholder terms attached to your region.

Apple Pay and ENS customization

Apple Pay is called out as a live feature, which matters for daily usage and contactless payments. The card page also promotes ENS name customization on the physical card, which reinforces the Web3 identity angle of the product.

Self custody and Safe Smart Account model

Gnosis Pay emphasizes that assets live in a Safe wallet that the user controls. The claim is that Gnosis Pay does not custody funds at any point. This custody model is the main differentiator versus custodial crypto cards, and it is the reason the EURe on chain funding requirement is central to the product.

Traditional perks audit

The card page does not list classic protections or insurance. Unless issuer terms show otherwise, treat these as unknown.

• Purchase protection: -
• Price protection: -
• Travel insurance: -

Break-even math framework

There is no published annual fee. If the cashback rate applies to your account, the break-even is immediate because there is no fee to offset. If any fees appear in your in app terms, use the standard break-even formula: annual fee divided by your effective cashback rate.

Competitor comparison

Closest self-custody competitors include the MetaMask Card and the Ledger CL Card. Gnosis Pay differentiates itself by tying the card to a Safe Smart Account and by using EURe on chain as the funding rail. If you prefer a custodial product with stablecoin spending, compare against Coinbase or Crypto.com, but those use different custody and rewards models.

Verdict

Gnosis Pay now markets Apple Pay support, up to 5% cashback in GNO, ENS name customization, and a zero fee claim powered by Monerium. The key dependencies are EURe on Gnosis Chain and eligibility by country with KYC. If you want a self-custodial Visa debit card and you already use EURe, this product is compelling, but you should confirm your in app fee status and rewards eligibility before relying on the published claims.

Fees and ROI framework

The card page claims zero transaction, gas, FX, and off-ramping fees. The FAQ also notes zero fees for early users. There is no published annual fee. If your account has a fee table, use break-even = annual fee / effective rewards rate. All numeric rewards figures referenced above are sourced from the Gnosis Pay card page linked below.

Sources

• Gnosis Pay Card
• Ordering Guide
• Supported Countries